Your credit information can't get a credit loan. This is almost the same as getting automobile mortgage. Shanghai can help you.

Second, the application conditions of Ping An car loan.

To apply for a safe car loan, the applicant must first be between the ages of 25 and 55; In terms of income level, the applicant must have a legal and stable job and income source, and have the ability to repay the principal and interest on schedule; Then the applicant's personal credit should be good and there is no bad credit record.

Secondly, the mortgaged vehicle must be in the name of the applicant and there is no mortgage at present. The requirements for the vehicle are: the purchase time of the vehicle shall not exceed 7 years (subject to the date of first registration), the mileage shall not exceed 654.38+0.2 million kilometers, and the assessed value of the vehicle shall not be less than 70,000 yuan.

Materials needed to apply for a safe car loan:

1, second-generation ID card.

2. Vehicle driving license and motor vehicle registration certificate.

3. proof of income, such as bank running water or income certificate issued by the company.

4. proof of residence, such as water, electricity and coal bills.

Automobile mortgage of Ping An Bank means that the borrower obtains a loan from Ping An Bank by mortgaging the vehicle. Loans are used for consumption and operation, and the repayment method of equal principal and interest or average capital is adopted. Lending can be done within one day at the earliest, and the maximum amount of a single loan can reach 500,000 yuan.

The interest of Ping An automobile mortgage depends on the loan interest rate, loan funds and loan term, and the calculation formula is interest = loan funds, loan interest rate and loan term.

Third, bad credit. Can I handle Ping An automobile mortgage?

If the credit information of Ping An car owner's loan is not good, the loan cannot be made because:

1. As a vehicle mortgage loan under Ping An Bank, it is necessary to review the credit report when applying for the owner's loan to understand the borrower's credit status.

2. Ping An Bank clearly stipulates that one of the application conditions for car owners' loans is that personal credit information is kept good. If bad information is recorded in the credit report, Ping An Bank will definitely refuse to issue loans directly.

4. What are the requirements for applying for a vehicle mortgage loan?

Vehicle loans are divided into vehicle parking and vehicle parking procedures.

applicant

(1) 18 years old, a natural person with independent capacity;

(2) A domestic enterprise with independent legal personality registered with the Administration for Industry and Commerce.